City profile · Indiana · Census ACS 2023

Spencerville, IN

Population, income, housing, safety, climate and schools for Spencerville - drawn straight from Census ACS, FBI UCR, NOAA, NCES, HUD and FEMA, refreshed on the 2024–2025 release cycle.

322
Residents
$43,542
Median income
$141,700
Median home
$960
Median rent (state)

Spencerville - the verdict

Out of every US city with 1,000+ residents, Spencerville places in the 11th percentile for household income. Source: Census ACS.

11th
percentile, household income
24th
percentile, home value
11th
percentile, median rent
📝 How we sourced this

Population, income, and housing-cost figures come from the U.S. Census Bureau American Community Survey 5-year estimates (B-series tables). Crime data uses FBI UCR; climate uses NOAA Climate Normals; school counts come from NCES Common Core of Data; permits use the Census Building Permits Survey (BPS). See our methodology page for the full ETL pipeline and OMB / FIPS join keys.

Data Snapshot: Spencerville, IN

Spencerville is a small town in Indiana, home to 322 residents per U.S. Census Bureau ACS 2023 estimates. Spencerville households earn a median of $43,542 annually, in the lower quartile of U.S. cities for household income, with a poverty rate of 0.0%. Typical homes in Spencerville are valued around $141,700, and the median resident age is 50.2 years. Educational attainment runs 23.4% of adults with a bachelor's degree or higher. Separately, 61.9% of working-age residents are in the labor force.

Living costs in Indiana run below the national norm: on BEA's 100-equals-national-average cost index, Indiana scores 93.3 (Below Average), per the 2024 Regional Price Parities release. HUD Fair Market Rent for a typical two-bedroom in this state is $960 per month. Monthly utility costs average around $235 across Indiana, per EIA 2023 residential energy estimates. The average commute for Spencerville workers runs 18.1 minutes, with 94.1% driving alone and 5.9% working from home. FEMA's National Risk Index rates natural-hazard exposure at 41.3 out of 100 (Low).

Population

322 residents

Census ACS 2023 - Indiana

Median Household Income

$43,542 /yr

Poverty 0.0%

Cost of Living Index (state)

93.3 (US=100)

Below Average - BEA RPP 2024, Indiana average

How does Spencerville compare to other US cities?

Here's how Spencerville stacks up against the full field of US cities (population 1,000+), computed live from Census and FBI data.

Household income 11% higher than other cities
Home value 24% pricier than other cities
Median rent 11% pricier than other cities

"Safer than" reflects total crime rate from FBI UCR; the others use Census ACS estimates.

How we calculate these percentiles & ranks

Each percentile compares Spencerville against every qualifying US city; each in-state rank narrows that to Indiana only. Full formula and direction notes: methodology.

Indiana-relative analysis

Poverty Rate places Spencerville near the bottom of Indiana's cities

Among the 849 Indiana cities PlainCities tracks with reported poverty rate data, Spencerville ranks #638 - the 0th percentile within the state. This is a different, narrower cut than the nationwide percentiles above: it compares Spencerville only against its own state's cities, not the full US field.

Median Household Income
#697 of 766
9th percentile in Indiana
Median Gross Rent
#601 of 850
28th percentile in Indiana
Median Home Value
#338 of 771
56th percentile in Indiana
Poverty Rate
#638 of 849
0th percentile in Indiana
Bachelor's Degree or Higher
#222 of 850
74th percentile in Indiana

Ranked by raw value (highest first); a higher rank is not automatically "better" for every measure, see each metric's own context above. This is a comparison within Indiana only, not a livability score. See the methodology for the source and calculation.

11thIncome percentile

11th percentile nationally for median household income. Source: Census ACS 2023 / FBI UCR 2023.

How Spencerville's home value compares nationally

Median home value vs. every US city (population 1,000+)

$141,700 Among the most affordable more affordable than 76% of 15,600 US cities

$0–$25,000: 5 US cities (0%). Below this entry. $25,000–$50,000: 54 US cities (0%). Below this entry. $50,000–$75,000: 352 US cities (2%). Below this entry. $75,000–$100,000: 1,086 US cities (7%). Below this entry. $100,000–$125,000: 1,516 US cities (10%). Below this entry. $125,000–$150,000: 1,170 US cities (8%). This entry sits in this band. $150,000–$175,000: 1,278 US cities (8%). Above this entry. $175,000–$200,000: 1,229 US cities (8%). Above this entry. $200,000–$225,000: 1,035 US cities (7%). Above this entry. $225,000–$250,000: 976 US cities (6%). Above this entry. $250,000–$275,000: 754 US cities (5%). Above this entry. $275,000–$300,000: 712 US cities (5%). Above this entry. $300,000–$325,000: 521 US cities (3%). Above this entry. $325,000–$350,000: 526 US cities (3%). Above this entry. $350,000–$375,000: 465 US cities (3%). Above this entry. $375,000–$400,000: 393 US cities (3%). Above this entry. $400,000–$425,000: 317 US cities (2%). Above this entry. $425,000–$450,000: 300 US cities (2%). Above this entry. $450,000–$475,000: 307 US cities (2%). Above this entry. $475,000–$500,000: 250 US cities (2%). Above this entry. $500,000–$525,000: 160 US cities (1%). Above this entry. $525,000–$550,000: 156 US cities (1%). Above this entry. $550,000–$575,000: 172 US cities (1%). Above this entry. $575,000–$600,000: 172 US cities (1%). Above this entry. $600,000–$625,000: 163 US cities (1%). Above this entry. $625,000–$650,000: 167 US cities (1%). Above this entry. $650,000–$675,000: 135 US cities (1%). Above this entry. $675,000–$700,000: 101 US cities (1%). Above this entry. $700,000–$725,000: 95 US cities (1%). Above this entry. $725,000–$750,000: 71 US cities (0%). Above this entry. $750,000–$775,000: 65 US cities (0%). Above this entry. $775,000–$800,000: 70 US cities (0%). Above this entry. $800,000–$825,000: 57 US cities (0%). Above this entry. $825,000–$850,000: 67 US cities (0%). Above this entry. $850,000–$875,000: 60 US cities (0%). Above this entry. $875,000–$900,000: 58 US cities (0%). Above this entry. $900,000–$925,000: 47 US cities (0%). Above this entry. $925,000–$950,000: 37 US cities (0%). Above this entry. $950,000–$975,000: 31 US cities (0%). Above this entry. $975,000–$1,000,000: 470 US cities (3%). Above this entry. $1,000,000–$1,025,000: 0 US cities (0%). Above this entry. Spencerville $0 $1,025,000 every US city, bucketed by value

Each bar is a $25K-wide band; taller bars hold more US cities. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau ACS 5-Year Estimates · 2023

Income distribution context

Household income distribution - Spencerville, IN Spencerville, IN's reported median household income shown against the U.S. national quintile-share pattern (not Spencerville, IN-specific quintile data). The Lorenz curve traces the national cumulative income share against cumulative population share, perfect equality is the diagonal; observed inequality bows below. $ Household Income Distribution Spencerville, IN median $43,542/yr, vs. U.S. national quintile pattern QUINTILE SHARE OF AGGREGATE INCOME Lowest 20% 3.4% Second 20% 9.2% Middle 20% 15.1% Fourth 20% 23.2% Top 20% 49.1% LORENZ CURVE cumulative income vs. population 100% 0% 100% pop. 0%
Spencerville, IN's median household income (Census ACS 5-year estimate) plotted against the U.S. national income-quintile distribution pattern for context; the quintile shares and Lorenz curve are national figures, not computed specifically for Spencerville, IN. Diagonal = perfect equality.

Key socioeconomic indicators

Bachelor's degree or higher (adults 25+) 23.4%

Census ACS S1501, educational attainment

Poverty rate (households below FPL) 0.0%

Census ACS S1701, poverty status

Labor force participation (adults 16+) 61.9%

Census ACS S2301, share of working-age residents in the labor force

Population
322
Median Income
$43,542
Median Home Value
$141,700
Median Age
50.2
Poverty Rate
0.0%
Labor force participation
61.9%
Bachelor's Degree+
23.4%

Commute Patterns

How workers travel to work, Census ACS 2023

Average Commute Time
18.1 minutes
Drive Alone
94.1%
Carpool
0.0%
Public Transit
0.0%
Walk
0.0%
Work from Home
5.9%

Based on 153 workers 16 and over.

Monthly Utility Costs

State-average estimates for Indiana - EIA 2023 residential energy data

Electricity
$110
avg/month
Natural Gas
$80
avg/month
Water & Sewer
$45
avg/month
Total Utilities
$235
estimated/month

Estimates reflect Indiana state averages. Actual costs vary by home size, usage, and local rates. Source: U.S. Energy Information Administration (EIA) 2023.

Living Costs & Risk

Cost of living is a Indiana state average from BEA; rent and hazard risk are county-level figures from HUD and FEMA for the county Spencerville sits in

Cost of Living Index
93.3
Below Average
US average = 100 · BEA RPP 2024
Typical 2-BR Rent
$960/mo
HUD Fair Market Rent
County-level FMR estimate
Natural Hazard Risk
41.3 / 100
Low
FEMA NRI composite score (county)

Similar Cities in Indiana

Helmsburg
322 people
Herbst
323 people
Lewisville
321 people
Fairbanks
324 people
Paxton
320 people
Birdseye
325 people

Cities of a Similar Size Nationwide

Population-matched peers from other states, closest to Spencerville's 322 residents (Census ACS 5-Year 2023).

Alford, FL
322 people
Kings, IL
322 people
Latham, IL
322 people
Mount Clare, IL
322 people
Crawfordsville, IA
322 people
Eros, LA
322 people

Cities with a Similar Household Income Nationwide

Median-household-income-matched peers from other states, closest to Spencerville's $43,542 (Census ACS 5-Year 2023, table B19013).

Ardmore, AL
$43,542 median income
Hartford, AR
$43,542 median income
Woodville, FL
$43,542 median income
Glencoe, KY
$43,542 median income
Brunswick, MO
$43,542 median income
Madison Place, OH
$43,542 median income

Race & Ethnicity Composition

Race and ethnicity - Spencerville, IN Race categories sum to one hundred percent per Census methodology. Hispanic or Latino is shown separately as an ethnicity overlay; it cuts across all race categories per OMB Directive 15. Race & Ethnicity Composition Spencerville, IN - Census ACS, OMB race + ethnicity categories RACE, sums to 100% 82.3% 17.7% ETHNICITY, Hispanic or Latino (any race) 17.7% White 82.3% Black or African American 0.0% Asian 0.0% American Indian 0.0% Native Hawaiian 0.0% Some other race 0.0% Two or more races 17.7% Per OMB Directive 15: Hispanic/Latino ethnicity is reported separately from the race categories.
Race categories sum to 100%. Hispanic or Latino ethnicity is reported separately and cuts across race per Census/OMB methodology.

City-level race and ethnicity, Census ACS 5-year 2023 (tables B02001, B03001), OMB Directive 15 categories.

How Spencerville compares to nearby Indiana cities

Population + median household income, sourced from Census Bureau ACS 5-year B01001 (population) and B19013 (median household income).

City Population Median Household Income
Spencerville (this city) 322 $43,542
Helmsburg 322 N/A
Herbst 323 N/A
Lewisville 321 $52,143
Census ACS 5-year FIPS IN OMB Bulletin 23-01

What do people ask about Spencerville, IN?

What is the population of Spencerville, IN? +

Spencerville, IN has a population of 322 according to U.S. Census Bureau ACS 2023 estimates.

What is the median household income in Spencerville, IN? +

Spencerville households earn a median of $43,542 annually, based on Census ACS 2023 data.

What is the cost of living in Spencerville? +

BEA does not publish a city-level cost-of-living figure for Spencerville; the closest available measure is the Indiana state average, a cost of living index of 93.3 (U.S. average = 100), rated "Below Average" based on BEA Regional Price Parities 2024 data. Costs within Indiana vary by metro area.

What is the median home value in Spencerville, IN? +

Homes in Spencerville carry a median value of $141,700, according to Census ACS 2023 estimates.

Source: U.S. Census Bureau ACS 5-Year 2023, Census ACS B08301/B08136, U.S. Energy Information Administration (EIA) 2023, BEA Regional Price Parities 2024, HUD Fair Market Rents 2026, FEMA National Risk Index.

Read our methodology - how this data is sourced, computed, and verified.

Primary sources: Census ACS, FBI UCR, NOAA Climate Normals, NCES.

Citation & verification links Data sourced from the U.S. Census Bureau. See our methodology for details. Retrieved and formatted by PlainCities

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Every figure on PlainCities is rendered directly from Census ACS source data, no number is typed in by an editor. This page draws directly on Census ACS source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.